After you load funds to your BitPay Card, the value will remain in US dollars. Cryptocurrency is converted to US dollars when it is sent to BitPay for loading the card, so it cannot be returned to your wallet.
The cryptocurrency balance within your BitPay Wallet (and its estimate in USD) is not loaded to the card until you load it via paying a BitPay invoice. Only funds loaded to the card are locked in as USD. How do I add funds to my BitPay Card?
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The BitPay Visa Prepaid Card is issued by Metropolitan Commercial Bank, member FDIC, pursuant to a license from Visa, U.S.A. Inc. “Metropolitan” and “Metropolitan Commercial Bank” are registered trademarks of Metropolitan Commercial Bank © 2014. Use of the Card is subject to the terms and conditions of the applicable Cardholder Agreement and fee schedule, if any.
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